In March 2015, the DOJ restricted the use of civil asset forfeiture in cases where structuring -- in which a bank account holder makes frequent deposits below $10,000 -- is the only offense suspected. Civil asset forfeiture is a pernicious form of government overreach by which federal agencies can seize cash or property without ever arresting, charging or prosecuting someone of a crime. The Clyde-Hirsch-Sowers RESPECT Act codified this administrative change.